The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,638
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$26,436
−HK$810/mo
Today · 4.125%
HK$27,246
baseline
▲ 0.50% · 4.625%
HK$28,904
+HK$1,658/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$54,492/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,522
−HK$1,541/mo
▼ 0.25% · 3.875%
HK$29,287
−HK$776/mo
Today · 4.125%
HK$30,063
baseline
▲ 0.50% · 4.625%
HK$31,648
+HK$1,585/mo
Deposit HK$5.62M · loan HK$5.62M · min. income ≈ HK$60,126/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,766
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,723
−HK$972/mo
Today · 4.125%
HK$32,695
baseline
▲ 0.50% · 4.625%
HK$34,685
+HK$1,990/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$65,390/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,227
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,145
−HK$931/mo
Today · 4.125%
HK$36,076
baseline
▲ 0.50% · 4.625%
HK$37,978
+HK$1,902/mo
Deposit HK$4.50M · loan HK$6.75M · min. income ≈ HK$72,152/mo (50% DSR)
Upfront cash ≈ HK$4.92M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,894
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,010
−HK$1,135/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,466
+HK$2,321/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,931
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,087/mo
Today · 4.125%
HK$42,089
baseline
▲ 0.50% · 4.625%
HK$44,307
+HK$2,218/mo
Deposit HK$3.37M · loan HK$7.87M · min. income ≈ HK$84,178/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,149
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$47,584
−HK$1,459/mo
Today · 4.125%
HK$49,043
baseline
▲ 0.50% · 4.625%
HK$52,027
+HK$2,984/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$98,086/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,340
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$52,717
−HK$1,397/mo
Today · 4.125%
HK$54,114
baseline
▲ 0.50% · 4.625%
HK$56,966
+HK$2,852/mo
Deposit HK$1.12M · loan HK$10.12M · min. income ≈ HK$108,228/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$421,636 · Scale 2, in force from 26 Feb 2026)